SUNRISE

Medical Professionals have unique needs, and at Sunrise we have a lot of experience in providing advice to meet those needs. For example, if you are a doctor and you are concerned about:

• Understanding your NHS rewards and benefits
• Understanding your NHS pension scheme
• Pension annual allowance issues
• Pension lifetime allowance issues
• Reducing a potential tax liability
• How best to position your finances to meet your future goals

…then you are not alone. We have assisted many doctors with similar concerns, and we can help you understand your situation and plan your finances as efficiently as possible. Just click “get in touch”.

We believe that a financial strategy is built on firm foundations. For many of us that means first protecting what is important: our families, our incomes, and our property.

There are various ways in which people can protect what matters most, and as independent financial advisers we can select from any suitable product in the marketplace. There is usually an appropriate policy for most circumstances and most budgets.

For information and advice on the right solutions to meet your and your family’s needs, just click “get in touch”.

“A goal without a plan is just a wish”

Financial planning means setting goals for the future, and then making plans to reach them. Your goals could be greater financial security, supporting your family, paying for something special or simply protecting your wealth from the effects of inflation. Whatever your goals, we can help you plan towards them.

When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside that can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of saving is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest. In other words, the original capital is guaranteed.

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time and should not consider investments unless you first have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your investments.

For advice on the right savings and investment strategy for you, just click “get in touch”.

The value of investments can fall as well as rise. You may get back less than you originally invested.

Retirement: The longest holiday of your life – but only if you plan for it carefully.

For many people in work, their ultimate goal is to retire. Pensions are designed to enable you to save sufficient money during your working life to allow you to live comfortably once you have retired.

There are many different ‘tools’ used to save for retirement, and the taxation, investment and ever-changing pension rules can appear baffling. We specialise in explaining, advising on and monitoring pensions for you so that your retirement is as comfortable as possible. We have particular expertise in explaining the rules and options of the NHS pension scheme.

A retirement strategy usually has many aspects to it. For advice on planning for your retirement, just click “get in touch”.

Pensions are a long-term investment. You may get back less than you put in. Pensions can be subject to tax and regulatory changes, so the tax treatment of pension benefits may change in the future. The Financial Conduct Authority does not regulate taxation advice.